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A couple relaxing poolside in lounge chairs on vacation booked through AAA looking through palm trees at the sun setting over the water.
Palm trees before a hurricane.
severe weather

Hurricanes happen. Be ready!

Trip interruption and cancellation costs can quickly add up. When purchased before a hurricane becomes a named storm, travel insurance can help protect your vacation investment. Benefits are only available with select plans. The 2025 Atlantic hurricane season officially spans from June 1 to November 30 and is projected to be above average, with AccuWeather predicting 13 to 18 named storms.

Read Forecast
travel insurance explained

What does Allianz Travel Insurance protect?

Travel insurance offers peace of mind, money-saving benefits and 24/7 live assistance. Many plans include additional features and special AAA benefits. Plus, children 17 and under are protected for free with select plans when accompanied by a parent or grandparent while traveling. Not all plans include each benefit listed. Please see your plan for full details, terms, conditions and exclusions.

Man not feeling good, leaning on bridge at London, UK

Medical, Emergency Transportation & More

  • Insurance can reimburse you for expenses related to a covered medical or dental emergency while traveling.
  • Insurance can reimburse costs for vaccinations you received that were required for destination entry if you cancel your trip for a covered reason. Special AAA benefit.
  • Insurance can reimburse you for transportation of your vehicle back to your residence when a covered illness or injury prevents the completion of your trip. Special AAA benefit.
Senior woman looking at timetable board while waiting her flight departure at the airport.

Flight Delays, Luggage & Lost Documents

  • Insurance can reimburse costs associated with covered luggage delays, flight delays or missed connections. Expenses like rebooking fees, meals, accommodations and transportation can be reimbursed during covered events.
  • Insurance plans with SmartBenefits® can pay you proactively on monitored flights* or with proof of the covered delay in a hassle-free claim. No receipts needed!
  • Insurance can reimburse costs up to plan limits to replace travel documents that are lost or stolen during your trip. Special AAA benefit.
A mid adult woman with a cast on her leg in a beautiful floral long sleeved dress, getting out of car at parking lot downtown, holding a crutch

Trip Cancellation & Trip Interruption

  • Insurance can reimburse you for up to 100% of your prepaid, non-refundable trip costs if you have to cancel due to a covered reason.
  • Insurance can provide reimbursement for the unused, non-refundable portion of your trip and additional transportation costs to return home if your trip is interrupted due to a covered reason.
  • Covered reasons under most plans can include illness, injury, job loss, pet veterinary emergency, first responder responsibilities and more.
Asian Woman traveling, getting away from it all.

Cruising Benefits

  • Insurance can reimburse you for trip cancellation or interruption if you have to cancel your cruise for a covered reason.
  • Insurance plans can pay you if your cruise misses or replaces a scheduled port-of-call on your original itinerary. No receipts needed! Special AAA benefit.
  • Insurance plan benefits can be used when water levels are too high or too low for a river cruise to proceed with its scheduled itinerary. Special AAA benefit.
Man not feeling good, leaning on bridge at London, UK

Medical, Emergency Transportation & More

  • Insurance can reimburse you for expenses related to a covered medical or dental emergency while traveling.
  • Insurance can reimburse costs for vaccinations you received that were required for destination entry if you cancel your trip for a covered reason. Special AAA benefit.
  • Insurance can reimburse you for transportation of your vehicle back to your residence when a covered illness or injury prevents the completion of your trip. Special AAA benefit.
Senior woman looking at timetable board while waiting her flight departure at the airport.

Flight Delays, Luggage & Lost Documents

  • Insurance can reimburse costs associated with covered luggage delays, flight delays or missed connections. Expenses like rebooking fees, meals, accommodations and transportation can be reimbursed during covered events.
  • Insurance plans with SmartBenefits® can pay you proactively on monitored flights* or with proof of the covered delay in a hassle-free claim. No receipts needed!
  • Insurance can reimburse costs up to plan limits to replace travel documents that are lost or stolen during your trip. Special AAA benefit.
A mid adult woman with a cast on her leg in a beautiful floral long sleeved dress, getting out of car at parking lot downtown, holding a crutch

Trip Cancellation & Trip Interruption

  • Insurance can reimburse you for up to 100% of your prepaid, non-refundable trip costs if you have to cancel due to a covered reason.
  • Insurance can provide reimbursement for the unused, non-refundable portion of your trip and additional transportation costs to return home if your trip is interrupted due to a covered reason.
  • Covered reasons under most plans can include illness, injury, job loss, pet veterinary emergency, first responder responsibilities and more.
Asian Woman traveling, getting away from it all.

Cruising Benefits

  • Insurance can reimburse you for trip cancellation or interruption if you have to cancel your cruise for a covered reason.
  • Insurance plans can pay you if your cruise misses or replaces a scheduled port-of-call on your original itinerary. No receipts needed! Special AAA benefit.
  • Insurance plan benefits can be used when water levels are too high or too low for a river cruise to proceed with its scheduled itinerary. Special AAA benefit.
Choose Your Plan
Man checking on his phone the status of his delayed flight.
travel insurance perks

Travel insurance tech simplifies every trip

Convenience, Support and Smart Technology – Only with Allianz & AAA.

  • 24/7 Assistance Hotline – Personalized crisis support virtually anywhere in the world.
  • Auto-filing Claims – SmartBenefits® enable automatic, no-receipts payouts for common issues*.
  • Global Doctors Visits** – Book mobile or in-person doctor visits in many of the most popular destinations abroad for non-emergency health concerns. Download Global Doctor Visits PDF Flyer
  • Download Allyz® App – View plan details, file claims and access travel help in one tap.

 

 

Happy young man with girlfriend in cargo bike at famous pier in Europe.
best travel insurance

Allianz Travel Insurance is an industry leader trusted by millions of customers worldwide

Award-winning protection you can trust.

  • Best Travel Insurance Provider – 2025 & 2024 Elliott Advocacy Readers’ Choice
  • Best Travel Insurance Company – 2024 Global Traveler
  • Best Overall Travel Insurance – 2023 The Wall Street Journal
  • Best Customer Service – 2022 Newsweek
  • Top 10 Travel Insurance Companies – U.S. News & World Report
Allianz Travel Insurance through AAA.
helpful information

Travel insurance videos make it easy to understand what travel insurance protects

Convenience, Support and Smart Technology – Only with Allianz & AAA.

happy woman lounging outside in rattan chair with palm trees in background
travel confidently

Purchase travel insurance to safeguard your trip

Benefits designed to help protect your investment in case something goes wrong before or during your trip, including medical emergencies, trip cancellation, flight delays and more.

Get a Quote

Travel Insurance FAQ’s

It’s best to purchase your travel insurance through AAA when you book your trip because it gives you the most options for benefits. While it’s tempting to purchase a cruise or tour operator-offered insurance plan, their benefits may not be what you need. Be sure to weigh all the options before you make a purchase decision.

You can easily manage your Allianz policy with your email address or policy number. Click here to file a claim and provide supporting documents. You can return to an existing claim with your claim number or policy number (your policy number can be found on your policy documents or in your confirmation email).

In the Local Services for Travelers section in the AAA Mobile App, you’ll find travel tools, including a medical translator and emergency phone numbers for hospitals and medical facilities worldwide. Download the AAA Mobile App now on App Store or Google Play.

If you prefer to learn about travel topics through podcasts, we’ve got you covered with two informative episodes.
• Cruising with Travel Insurance Spotify or Apple Podcast
• How Travel Insurance Helps You Enjoy Your Vacation Spotify or Apple Podcast

Visit AAA.com/TravelPodcast for all episodes.

These helpful articles can help you make an informed decision about purchasing travel insurance.

• What Does Travel Insurance Cover?
• Benefits of Cruise Travel Insurance

Travel insurance can arrange and reimburse an emergency medical evacuation if needed and can help you locate a pharmacy to purchase a new prescription if your medication is lost or forgotten. Insurance for pre-existing medical condition losses due to the condition is offered on the most popular AAA plans (You must purchase your travel insurance plan within 14 days of your first trip payment or deposit, be a U.S. resident, medically able to travel at the time of purchase, and insure the full non-refundable cost of your trip to be eligible. A maximum benefit applies and the limit varies by plan.)

Travel insurance can reimburse you for the fees charged by the airline to change your itinerary due to a covered reason, and it offers protection for your lost, stolen, damaged or delayed personal belongings. Insurance plans with SmartBenefits® can pay you for delayed luggage with proof of the covered delay. No receipts needed!

Insurance plans that include the trip cancellation benefit can reimburse prepaid, non-refundable trip costs if you or a traveling companion are terminated or laid off. Covered reasons can include you or your traveling companion getting sick or injured, job loss, pet veterinary emergency (for your dog or cat), military and first responder responsibilities, a covered travel supplier ceasing operations and more. All covered reasons are provided in the plan documents.

It can provide reimbursement for change fees if you must change or cancel your airline, cruise, tour, or rail tickets for cancelled or rescheduled special events, like business meetings, weddings, family reunions, concerts or theater events. It can also provide benefits if you are delayed due to road closures from severe weather. The Trip Change Protector benefit is available on the Allianz TripProtect Select, Deluxe and Cancel Anytime plans.

Travel insurance, when purchased before a hurricane becomes a named storm, can offer protection in case of sudden and unforeseen situations and events, like a destination becoming uninhabitable.

Travel Insurance can reimburse you for the unused, non-refundable portion if your trip is interrupted for a covered reason. It can also reimburse the cost to return your vehicle if you have a covered medical emergency during your trip and have to leave it behind (Special AAA benefit). And the Allianz Rental Car Protector can provide a $0 deductible and primary benefits for collision damage or theft of the rental car.

TripProtect Cancel Anytime reimburses 80% of your lost non-refundable trip costs if you cancel your trip for almost any unforeseen reason your plan does not already list as a covered reason.

Yes, Allianz Travel Insurance plans provide robust international protection, including emergency medical care, medical evacuation, 24/7 worldwide assistance in multiple languages and coverage for trip interruption and baggage issues while abroad.

Allianz travel insurance plans include emergency medical coverage up to $75,000, plus emergency medical evacuation benefits. Coverage is available for both domestic and international travel, with eligibility for pre-existing condition related protection when purchased within policy timeframes (14 days of initial trip deposit) and all other criteria are met.

Travel insurance typically costs between 5-10% of your total trip cost. Factors affecting price include trip cost, trip length, traveler age and plan selected. AAA Members receive special benefits, and children 17 and under are included free when traveling with a parent or grandparent on select plans.

Children under 18 must be accompanied by a parent or grandparent to be eligible for $0 rate. If not, subject to full rate.

Rental Car Damage Protector may not be available in all states. Plans are not available in all countries or for all vehicles. Plans do not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage. Rental Car Damage and Theft Coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents. For WA residents, Rental Car Damage and Theft Coverage may not be available in all plans. See your plan documents for additional information.

Terms, conditions, and exclusions apply. Benefits/Coverage may vary by state, and sublimits may apply. Refer to your plan for restrictions and full details. Insurance coverage is underwritten by BCS Insurance Company, rated A- (Excellent) by A.M. Best Co., under BCS Form No. 52.201 or 52.401, or Jefferson Insurance Company, rated A (Excellent) by A.M. Best Co., under Jefferson Form No. 101-C-XX-01 or 101-P-XX-01, depending on the insured’s state. Allianz Global Assistance is a brand of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.

*When you opt in and provide flight information, Allianz Global Assistance will monitor flights and send flight status and benefit alerts, including about flight delays that qualify for automated travel delay payment. Standard message/data rates apply to SMS alerts. SmartBenefits automated claims system and payment availability is not guaranteed and is subject to Allianz Global Assistance’s sole discretion. All claims subject to policy terms, conditions, and exclusions.

**USE OF THE AIR DOCTOR SERVICES IS NOT FOR MEDICAL EMERGENCIES. IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY, YOU SHOULD CALL THE EMERGENCY NUMBER IN THE COUNTRY WHERE YOU ARE LOCATED. Air Doctor services are not intended for the treatment of non-emergent or routine medical care; rather, are intended to be used for the care of unforeseen medical events requiring non-emergency attention. Air Doctor is a third party. When you go to Air Doctor’s website or use Air Doctor’s services, you are subject to Air Doctor’s terms of use, privacy policy, and Air Doctors’ other terms and conditions as provided by Air Doctor. Allianz Global Assistance and Air Doctor are not healthcare providers or medical organizations, and neither Allianz Global Assistance’s staff nor Air Doctor’s staff deliver professional medical services, provide medical advice, or provide medical diagnosis. Allianz Global Assistance is not responsible for any services, including medical services or advice where provided, provided by Air Doctor or the healthcare providers you may access through its network, or the processing of personal information by Air Doctor or such providers. Allianz Global Assistance does not provide telehealth services. Air Doctor and its affiliated healthcare providers may share your information with Allianz Global Assistance for the purpose of Allianz Global Assistance providing you with insurance and assistance services. Allianz Global Assistance will provide information about your insurance policy to Air Doctor to validate you have a policy in effect. However, this is not a guarantee of coverage. Subject to the terms of your policy, you may be responsible for costs not covered by the Allianz Global Assistance policy. To obtain a guarantee of coverage, or if you have questions about coverage, call Allianz Global Assistance at +1 804-673-1173. Your Allianz Global Assistance Travel Protection Plan may provide direct billing benefits for up to three Air Doctor telehealth sessions per person per trip.